CIGNA Traditional (Indemnity)
CIGNA Traditional is an indemnity-style plan that allows members to visit any licensed dentist or specialist they choose, whenever treatment is needed.
Most preventive and diagnostic services are covered. The member is reimbursed for all or part of the cost of covered procedures, depending on the contracts co-payments, annual dollar maximum and deductibles.
The CIGNAPlus SavingsSM program, powered by CIGNA Dental Network Access®, is a discount dental program. It's not insurance, so there are no claim forms to file. CIGNAPlus Savings members are responsible for paying the entire amount for services as indicated on your DPPO negotiated fee schedule.
CIGNA Dental Care (DHMO)
CIGNA Dental Care is a managed (or prepaid) dental care plan. CIGNA Dental Care provides dental benefits through a network of dentists who receive compensation in a variety of ways including, but not limited to, fixed monthly payments and patient charges.
Dental Preferred Provider Organization (DPPO)
Cigna's Dental PPO lets customers choose any dentist, in- or out-of-network. Coverage includes most preventive procedures at low or no cost, and individuals have referral-free access to see specialists. Depending on the plan, the patient is responsible for their deductibles, co-payments, and have an annual plan maximum. Each plan may vary on these amounts.